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Loan & EMI Calculator
Monthly payment, total interest and a full schedule for home, car or personal loans, with extra payments.
Free, no uploads, no sign-up. Runs 100% in your browser.
How Loan & EMI Calculator works
Uses the reducing balance formula EMI = P r (1 + r)^n / ((1 + r)^n - 1). Extra payments come straight off the principal, so the loan ends sooner and the saved interest is shown.
Output: CSV, XLSX.
How to use Loan & EMI Calculator
- Enter the amount, rate and term.
- Add a monthly extra or a one-off payment if you plan one.
- Read the payment, interest and payoff date.
- Download the schedule.
Tips
- Bank files hold account numbers, so tools that run on your device are the safe choice.
- Always compare totals with the original statement before you file anything.
- OFX and QIF files import into most money apps.
Loan & EMI Calculator FAQ
- Are my files uploaded?
- No. This tool runs entirely in your browser tab. Files are read from your disk into memory and the result is generated locally.
- Is it free? Are there limits or watermarks?
- Free and open source (MIT). There are no file-size caps, daily quotas, accounts or watermarks.
- Does it work offline?
- Yes, once the page (and any engine it needs) has loaded, it keeps working without a connection thanks to the service worker cache.
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